 And some are good and some are not so good. And when I think about that, that sounds like, what do you mean some are good and some are not so good? Well, some of them have really high fees. And regardless of what we're talking about, they all can have fees and you need to understand them. That's why annuities should be being purchased only, in my opinion, from a fiduciary, somebody that's licensed to do what's in your best interest. But regardless, they're sold through the insurance companies and insurance licensed professionals that do it. And there's many good ones out there.